"保持信贷和社会融资适度增长"，这是日前召开的国务院常务会议提出的明确要求。中国证券报记 者日前调研多家商业银行发现，各银行均多措并举加大信贷投放力度，满足小微企业、专精特新企业、 绿色产业等领域的合理资金需求。 加大信贷投放力度 今年以来，各商业银行均加大了信贷投放力度，满足市场主体合理融资需求。 某大行浙江地区二级分行负责人介绍，今年一季度该行贷款将呈现快速、超往年的增长，新增贷款 仍以项目贷款和普惠贷款为主，同时，利率水平有明显下行态势。 利率方面，上述负责人告诉中国证券报记者，1年期流动贷款利率去年报价在4.8%-5%，今年已经 下调至4.3%。此外，对于小微企业、专精特新企业、新兴制造企业等还可免审批直接再降20个基点。 另有不少银行正发力信贷产品创新，比如，对既在专精特新名单内，又满足普惠金融条件的企业提 供专属科创类贷款。"该产品属于纯信用贷款，最高贷款额度1000万元，可以直接线上申请，审批放款 都很快。"某国有行信贷经理介绍。 圈定投放重点 多位专家认为，在融资供给增加的同时，信贷结构优化也至关重要，需确保资金流入实体经济重点 领域和薄弱环节。 国家金融与发展实验室特聘研究员任涛认为，今年银 ...

Group 1 - The company Shandong Dezhou Owens New Building Materials Co., Ltd. is experiencing a significant increase in sales, projecting a 30% year-on-year growth in 2024, reaching over 200 million yuan [1][4] - The company has invested in new production equipment costing 3 million yuan, driven by positive market trends and government support for private enterprises [4] - Dezhou's private economy is supported by financial services, with a loan balance of 144.066 billion yuan as of March 2023, reflecting an 11.92% year-on-year increase [4] Group 2 - Shandong Ansonhe Medical Technology Co., Ltd. is focused on the development and production of orthopedic and dental products, with a loan demand of approximately 100 million yuan for 2024 [5] - The company faced challenges in traditional financing due to a lack of collateral and market readiness, but successfully secured a credit line of 120 million yuan through targeted financial support [5] - Local financial institutions are actively engaging with private enterprises to facilitate funding, including the use of mobile banking services [7] Group 3 - The A1 Dezhou Food Smart Technology Industrial Park project has a total investment exceeding 1.6 billion yuan, with a projected annual output value of around 500 million yuan upon completion [7][10] - The project benefits from a consortium loan of approximately 400 million yuan from seven banks, highlighting the collaboration between local government and financial institutions [7] - Dezhou's agricultural advantages, including a variety of high-quality and low-cost products, are expected to enhance the market reach of the project in North and Northeast China [10]